小额贷款公司风险表现及应对策略研究  

Research on Micro-Credit Company Performance and Risk Strategies

作　　者：孔为民[1] 刘海英[2] 

机构地区：[1]石家庄经济学院,河北石家庄050031 [2]河北师范大学,河北石家庄050024

出　　处：《当代经济管理》2012年第10期83-88,共6页Contemporary Economic Management

基　　金：2012年河北省科技厅软科学项目<河北小额贷款公司发展问题研究>(12457203D-9)的阶段性研究成果

摘　　要：小额贷款公司试点于2005年,在短暂的时间内已取得了蓬勃的发展。小额贷款公司作为新兴的信贷公司给民间的融资带来了新活力和新机遇,在促进"三农"与中小企业的发展中起到了不可轻视的作用,为中小企业找到了一条现实的融资捷径。但与此同时,小额贷款公司的发展中也面临着诸多的风险,因此加强小额贷款公司风险的防范、促进小额贷款公司的健康发展已经成为当务之急。文章立足于当前的实际情况,分析了小额贷款公司的发展状况、目前存在的风险,并提出了相应的应对策略。The pilot micro-credit company started in 2005 and has made rapid development in a short period of time. The micro-credit company as a new credit company for folk financing has brought a new vitality and opportunity, playing an active role in promoting the development of ＂three agriculture＂ and small and medium-sized enterprises and finding a realistic financing shortcut for small and medium-sized enterprises. But at the same time, the development of micro-credit companies also faces many risks. Thus it has become an urgent task to strengthen the prevention against micro-credit company risks and to promote the healthy development of small-credit companies. This paper, based on the current situation, has analyzed the development of small-credit companies and their existing risks, and puts forward some corresponding strategies.

关 键 词：小额贷款公司 风险 表现形式 成因 对策 

分 类 号：F832.4[经济管理—金融学]